Each situation is going to be different.  General rule: The more they took in monthly payments and cash (cash in hand or to pay off old mortgage), the longer they will have to wait for a reverse refi will make sense.

Have you found the help you need on this?  If you have questions on reverse mortgages please feel free to ask...

Better give him a couple of hours.   lol

Wayne specializes in RMs, so he knows quite a bit.  Just don't tell him you are a Cubs fan and you should be fine.